Blog - Latest News
Chris Philmon

Chris Philmon

Loan Officer

Apply Now Add to Contacts

Bio of Chris Philmon

Chris is a seasoned mortgage loan officer with 21 years of experience. Over the years, he has developed a passion for helping self-employed borrowers obtain financing, which he describes as a puzzle to be solved. Chris finds the uniqueness of every loan situation to be challenging and enjoys overcoming the obstacles they present. He takes pride in knowing that he has helped people secure home loans who may not have been able to do so otherwise.

Mortgage Market Interest Rates

Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.

The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.

Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMI™ (“Optimal Blue Mortgage Market Indices”). The OBMMI™ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (“Optimal Blue”) product and pricing engine (“PPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.

What Customers Say About Chris Philmon

4.98
Ratings
18
Total Reviews
Powered by Experience.com
J
Justin C
PORT ST JOE - FL
Posted on May 23, 2023
5.0
verified-review
Chris is very hands on and knowledgeable about the process and product that he recommends.
D
David B
STONE MTN - GA
Posted on May 7, 2023
5.0
verified-review
I wouldn't trust anyone other than Chris to handle navigating the loan qualification process. I have had loan processors at large banks fail on me the day before closing. Once I met Chris, I decided I'd never work with another officer. He goes above and beyond in both availability and financial acumen. He was available for any and all conversations regarding our financing questions, and would always provide multiple scenarios for us so that we could make informed financial decisions. He even took the time to show up at our closing and support us through the entire process. I will continue to work with Chris on all of my real estate transactions going forward. Can't say enough good things about him.
M
Margaret Q
STONE MTN - GA
Posted on May 5, 2023
5.0
verified-review
I have worked with Chris Philmon for YEARS and on multiple property purchases and sales - there is not another loan officer that I trust more than Chris. I value his skillset and trust his process. I have recommended Chris and his team to countless friends and family because I appreciate his hard work, his patience to explain things, and that he takes my questions or concerns seriously. He is dedicated to getting to the closing table successfully and efficiently. Chris is communicative and always prepared - and as a customer I appreciate those characteristics the most!
C
Christina R
WAXHAW - NC
Posted on April 23, 2023
5.0
verified-review
Chris and his team are great! They got our mortgage processed in a timely manner as we hand a time crunch and are Excellent communicators!
Reply from Chris Philmon
It was our pleasure working with you as well. I am glad that I have the Non-Agency product in a short timeframe to save your closing. I hope you enjoy your home for years to come.
J
James S L
HARTWELL - GA
Posted on April 22, 2023
5.0
verified-review
Everything along the way went as planned, which resulted in a perfect on time closing! Thank you!
Reply from Chris Philmon
It was an absolute pleasure working with you Scott. I hope the move went well. Have a great weekend. If I can assist you or anyone you know in the future I would be honored to do so. Thanks!
S
Spencer R
MARIETTA - GA
Posted on April 18, 2023
5.0
verified-review
Very helpful throughout the entire process and available whenever I needed him.
Reply from Chris Philmon
It was an honor to help you on your first home purchase. I am here to help anytime in the future!
E
Enyia M
ATLANTA - GA
Posted on April 17, 2023
5.0
verified-review
Chris and Mandi were great. The two of them as team kept me going through the process. But it was longer than I anticipated. Longer than any of us anticipated I’m sure.
Reply from Chris Philmon
You deserve a trophy for patience. I am glad the Non-Agency Bank statement loan worked for you! We are always here to serve. Thanks!
L
Lukasz R
WAXHAW - NC
Posted on April 17, 2023
5.0
verified-review
From start to finish, great communication and amazing help. Thank you Chris including your team for helping is with our dream home purchase. Rogowski Family
Reply from Chris Philmon
It was our pleasure working with you as well. I am glad that I have the Non-Agency product in a short timeframe to save your closing. I hope you enjoy your home for years to come.
J
Justin Q W
BROOKHAVEN - GA
Posted on April 6, 2023
5.0
verified-review
Chris always made himself available to answer any questions or concerns I had. If he didn't know the answer directly he found out right away and I appreciate him guiding me through this process as it was all very new to me. Thanks Chris!
Reply from Chris Philmon
You were a pleasure to work with. Things sped up in the end but we got the job done and the Bank Statement loan was perfect for you. being self-employed. Thanks for trusting us! Enjoy your new home and let me know when I can your handiwork completed.
V
Vasili E
ATLANTA - GA
Posted on February 23, 2023
5.0
verified-review
Chris and his team provided quality of customer support which you do not see often. Incredibly knowledgable and with very good communicating skills
Reply from Chris Philmon
I am glad out paths crossed when I had just what you needed, a Bank Statement loan. Tell your friends who the expert is for the self-employed. it was an honor to work for you. I hope our paths cross again soon.

Mortgage Calculator

© Copyright 2023 - BankSouth Mortgage Company, LLC. All Rights Reserved. | Web Design by M16 Marketing